THE 6 -STEP LIFEPLAN PROCESS

1. During our first meeting, we focus mainly on your goals and concerns moving forward, we take an inventory of all assets, all liabilities and cash flow. WE already start getting a feel for your life style and begin building a budget's taking into account how much money is coming in and how much and where is the money flowing out, what amount is going to your short, intermediate and long term goals, if any. I will ask you questions like; do you have a Will, Life insurance policies, type, amounts, cost, work related benefits, such as a 401 K plan, health and disability coverage, are your taxes prepared by a trained tax specialist, last year's tax return just to name a few.

2. We then analyze this data.

3. We then get together a second time and this is where we will go over the strengths and weaknesses of your present plan and suggest to you our concepts and ideas. I will help educate you on money and how it works in our markets, insurance and how it works, cash flow ideas, tax savings ideas, and some simple estate planning concepts and our 1/3 Method philosophy.

4. After you think through your options and you feel comfortable, we can implement steps you would like to take.

5. We monitor the progress and review based on your needs, at least annually

6. Make adjustments when necessary and when changes occur.